First Business Bank in Madison, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First Business Bank in Madison, Wisconsin (WI)
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First Business Bank - Overview

  • General
  • FDIC Certificate #: 15229
    Status: Active
    Federal Reserve ID: 537449
    Bank Holding Company (Regulatory Top Holder): First Business Financial Services, Inc. (RSSDID: 1247428, Location: Madison, WI)
    Date Established: May 01, 1909
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 10824
    FDIC's unique #: 9583
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 401 Charmany Drive, Madison, WI 53719
    County: Dane
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Madison
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Madison, WI (#4720)
    Combined Statistical Area (CSA): Madison-Baraboo, WI (#358)
    Core Based Statistical Area (CBSA): Madison, WI (#31540)
    CBSA Metro Statistical Area: Madison, WI (#31540)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $1,000.2 mil
    Equity capital: $100.9 mil
    Deposits held in domestic offices: $890.8 mil
    Return on assets (ROA): 0.92% ($9.2 mil)
    Quarterly return on assets: 1.19% ($11.9 mil)
    Return on Equity (ROE): 9.33% ($9.4 mil)
    Quarterly return on equity: 11.85% ($12.0 mil)
    Net income: $8.9 mil
    Quarterly Net income: $2.9 mil
    Pretax return on assets: 1.52% ($15,203.5 mil)
    Quarterly Pretax return on assets: 1.86% ($18,604.2 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 65Total employees (full-time equivalent)
  • $1,000,227Total assets
  • $73,624Cash and due from depository institutions
  • $59,136Interest-bearing balances
  • $150,774Securities
  • $217Federal funds sold & reverse repurchase agreements
  • $743,837Net loans & leases
  • $12,457Loan loss allowance
  • $0Trading account assets
  • $453Bank premises and fixed assets
  • $534Other real estate owned
  • $0Goodwill and other intangibles
  • $1,000,227Life insurance assets
  • $30,788All other assets
  • $899,350Total liabilities and capital
  • $890,775Total liabilities
  • $770,705Total deposits
  • $890,775Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $482Trading liabilities
  • $0Other borrowed funds
  • $8,093Subordinated debt
  • $100,877All other liabilities
  • $100,877Total equity capital
  • $100,877Total bank equity capital
  • $0Perpetual preferred stock
  • $700Common stock
  • $38,525Surplus
  • $61,652Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $18,351Income earned, not collected on loans
  • $0Earning assets
  • $3,143Long-term assets (5+ years)
  • $953,964Average Assets, year-to-date
  • $113,972Average Assets, quarterly
  • $971,663Volatile liabilities
  • $987,194Insider loans
  • $813,224FHLB advances
  • $988,897Loans and leases held for sale
  • $14,770Unused loan commitments
  • $14,770Tier 1 (core) risk-based capital
  • $98,666Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $186,591Restructured Loans and leases
  • $13,360Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $49,610Total interest income
  • $15,299Total interest expense
  • $34,311Net interest income
  • $3,566Provision for loan and lease losses
  • $6,981Total noninterest income
  • $2,281Fiduciary activities
  • $1,535Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,165Additional noninterest income
  • $22,932Total noninterest expense
  • $8,286Salaries and employee benefits
  • $896Premises and equipment expense
  • $13,750Additional noninterest expense
  • $14,794Pre-tax net operating income
  • $0Securities gains (losses)
  • $5,882Applicable income taxes
  • $8,912Income before extraordinary items
  • $0Extraordinary gains - net
  • $8,912Net income attributable to bank
  • $0Net charge-offs
  • $8,912Cash dividends
  • $4,981Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.34%Yield on earning assets
  • 1.65%Cost of funding earning assets
  • 3.70%Net interest margin
  • 0.75%Noninterest income to earning assets
  • 2.47%Noninterest expense to earning assets
  • 0.92%Net operating income to assets
  • 0.92%Return on assets (ROA)
  • 1.52%Pretax return on assets
  • 9.33%Return on equity (ROE)
  • 9.33%Retained earnings to average equity (YTD only)
  • 0.65%Net charge-offs to loans
  • 71.59%Credit loss provision to net charge-offs
  • 3.69%Efficiency ratio
  • 55,507Assets per employee
  • 15.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.65%Loss allowance to noncurrent loans
  • 67.88%Noncurrent assets plus other real estate owned to assets
  • 1.89%Noncurrent loans to loans
  • 2.43%Net loans and leases to deposits
  • 83.50%Net loans and leases to core deposits
  • 169.28%Equity capital to assets
  • 10.09%Core capital (leverage) ratio
  • 9.98%Tier 1 risk-based capital ratio
  • 12.13%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $971,663Average earning assets
  • $95,560Average equity
  • $928,394Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $534,083Managed Assets
  • 1Number of Accounts
  • $485,036Personal trust and agency accounts
  • $125,307Employee benefit-defined contribution accounts
  • $77,497Employee benefit-defined benefit accounts
  • $3,298Other retirement accounts
  • $48,181Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $225,335Other fiduciary accounts
  • $5,414Fiduciary accounts held in foreign offices
  • $4Non-managed Assets
  • 484Number of Accounts
  • $0Personal trust and agency accounts
  • $48,181Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $49,047Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $47,730Fiduciary accounts held in foreign offices

List of branches

  • 3 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09583First Business Bank401 Charmany Drive, Madison, WI 53719May 01, 1909Full Service Brick and Mortar
    3469779Appleton Lpo3913 West Prospect Avenue, Appleton, WI 54911December 07, 2007Limited Service Loan Production
    5518525Green Bay Wi Lpo300 North Broadway, Green Bay, WI 54303April 01, 2011Limited Service Loan Production

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